You need to do a good bit of home work before choosing the right home loan for doctors. This homework includes making a good research, getting different quotes and then comparing them to find out the most suitable one for you.The borrowers always look for the future liabilities and not for the current or present income to be used. This helps them to avoid the student debt loan ratio as well. There are plenty of lenders around there who will not ask for a very high amount as a down payment. There are even such offers where you have to pay no down payment at all.